ZIP 03845 Foreclosure, Tax-Lien & Distress Report
Carroll County, New Hampshire · High Vacancy market
ZIP code 03845 in Carroll County, New Hampshire carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. Structurally it carries 53/100, against 0/100 of stress already in motion. What sets it apart are the readings on structural risk (53/100), institutional ownership (44/100), construction/permit lag (26/100). construction/permit lag (26/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (72/100), flood (NFIP) exposure (68/100), FEMA disaster exposure (60/100)).
The market reads peak — home values rose 3.9% year on year, at 27/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Vacancy runs 45.0%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 34/100. Households earn a median $71,667 — near the roughly $78,000 national figure. Educational attainment sits at 54% bachelor's-or-above. Around 56% of renters are cost-burdened. The poverty rate is 7.1% — low. The ZIP holds roughly 1,266 housing units. About 1,172 people live here, median age 54. Owners hold 79% of homes, renters 21%.
Taken together, 03845 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 03845 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 03845 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 03845 shows blanks, not estimates, wherever the record is sparse.
Each component behind 03845 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. Treat 03845 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 03845
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 03845 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 03845, the same set carried on every parcel.
Neighbouring ZIPs in Carroll County
Nearest ZIP codes to 03845
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Carroll County, New Hampshire
Keep going: ZIP, county and state distress coverage for Carroll County, New Hampshire.
See every distressed parcel in 03845
The full 03845 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology